Encinitas Insurance Rates:

Encinitas, CA homeowners insurance is nearly $576 to $783, about $48-$65/month. Our detailed guide indicates shoppers can save upto $272 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
My parent used State Farm and we followed suit. My parents had a couple larger claims that were honored by State Farm, so we have had good dealings with them over many, many years.
Liberty Mutual
The website is user friendly and easy to navigate. And they 24/7 quick service to the users
Travelers
The company's website allows me to access all the information I needed in a timely manner and they list everything that is covered under my plan.
Mercury
It has its ups and downs we can all improve on something and the have a lot to improve on to keep customers coming and that's it.
Allstate
I have very good experience with home insurance company's customer service i work hard always and get success.

Encinitas, CA Homeowners Insurance By Home Value

Encinitas, CA Home Value Total Homes % of Total Average Encinitas, CA Homeowners Insurance
Less than $50,000 234 10.0% $20
$50,000 to $59,999 29 1.0% $47
$60,000 to $69,999 40 1.0% $61
$70,000 to $79,999 40 1.0% $68
$80,000 to $89,999 79 3.0% $81
$90,000 to $99,999 38 1.0% $88
$100,000 to $124,999 129 5.0% $102
$125,000 to $149,999 36 1.0% $129
$150,000 to $174,999 55 2.0% $156
$175,000 to $199,999 123 5.0% $176
$200,000 to $249,999 120 5.0% $217
$250,000 to $299,999 291 12.0% $265
$300,000 to $399,999 1,027 45.0% $333

Top Home Insurance Agents Near Encinitas, CA

Home Insurance Company Near Encinitas, CA Homeowners Insurance Agency Near Encinitas, CA Address
Farmers Andrew "Andy" Morris 32395 Clinton Keith Rd Ste A208, Wildomar, CA, 92595
Travelers Benefitsource Insurance Services 28 ARGONAUT STE 100, ALISO VIEJO, CA, 92656
State Farm Kim Forsyth 802 Avenida Talega Ste 106, San Clemente, CA, 92673-6534
State Farm Sean Saunders 111 Corporate Dr Ste 190, Ladera Ranch, CA, 92694-1156
State Farm Tom Gorski 27372 Aliso Creek Rd Ste 220, Aliso Viejo, CA, 92656-5339

Cost Of Homeowners Insurance By Street Near Encinitas, CA

Streets in Encinitas Area Homeowners Insurance Cost
Corona Way, Via del Alba, Cerros Redondos, Western Springs Rd, Sitio Caucho, Samuel Ct, Cam de Las Flores, Sylvia St, Grado Cipreso, Starflower Rd$None
Hwy 101, San Elijo Ave, Via Di Felicita, Cll Anacapa, Cll de Adele, Cll Plata, Santa Helena, Santa Olivia, Shields Ave, la Flecha$None
Cambridge Ave, Via Montoro, Double Ranch Rd, el Viento St, Gardendale Rd, Cmt Septimo, McCain Ln, Callle Chaparro, Sunflower St, Village Green Rd$657
Reposo Alto, Warwick Ave, Vis Cascada, la Gran Via, Elfin Forest Rd, Sharp Pl, Island View Ln, Via Sarasan, Playa Blanca, Stafford Ave$None
Holmwood Way, Cam Sereno, Sereno View Ln, Lone Dove Ln, Pso de Las Flores, Via Cara Loma, Greentree Rd, Sparta Dr, Cabrillo Pl, la Chula$None
Jacquelene Ct, Bluffcrest Ln, Vis Guyaba, Mackinnon Ranch Rd, Via del Cerrito, N Coast Highway 101, el Mirador, Normandy Hill Ln, W Bluff Ct, Sitio Fresno$667
Starlight Dr, Roseta St, Villa Blanca Ct, Skyros Way, la Duela Ln, Athena St, Via Catania, Codorniz, Bolo Pl, S Jayton Ln$673
Via Las Brisas, Coneflower St, Scott Pl, Urania Ave, Via Roswitha, Orange Blossom Way, Basil St, Vista del Rey Dr, Westview Dr, Cll Vida Buena$None
Fieldstone Ln, N Granados Ave, Mangano Cir, Cll Paula, Seven Bridges Rd, Stonebrook Ln, Glasgow Ave, Ashbury St, Centella St, Lynwood Ave$None
Playa Riviera Dr, Old Glen St, el Pedregal Dr, Cll Plumerias, Sierra Ridge, Nardo Rd, Nueva Castilla Way, Countryhaven Rd, Lower Lake Ct, la Costa Towne Center$662

Encinitas, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Encinitas$101 to $104
Solana Beach$108
Rancho Santa Fe$109
Carlsbad$99

Encinitas, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Solana Beach city, California $90 $120 $180
Rancho Santa Fe CDP, California $91 $121 $181
Carlsbad city, California $83 $111 $166

Encinitas, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Encinitas, CA1.9%10.0%
Solana Beach1.9%8.82%
Rancho Santa Fe1.51%6.05%
Carlsbad1.88%9.17%

Encinitas Renters Insurance as a Percentage of Rent

Encinitas Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 84 1.0% $1207
$500 to $749 271 3.0% $1882
$750 to $999 642 8.0% $2632
$1,000 to $1,499 1,950 24.0% $3757
$1,500 or more 4,772 61.0% $5407

Average Cost Of Home Insurance By Company In Areas Nearby Encinitas For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
150000250NewFirst American Ins324
150000500NewQBE (Balboa)397
250000500NewCalifornia Casualty483
5000001000NewEncompass1072
5000002500NewAIG Prop Cas1092
5000002500NewFirst American Ins692
5000002500NewTokio Marine America706
7500002500NewForemost Insurance3029
1500002501-3 YearsIDS Property Casualty627
1500005001-3 YearsSafeco458
25000010001-3 YearsMAPFRE Group515
25000010001-3 YearsPacific Property And Casualty299
3000005001-3 YearsAmica Mutual697
75000025001-3 YearsFarmers (Fire Ins)1815
1500005004-6 YearsAAA (Interinsurance Exchange)352
2000005004-6 YearsHorace Mann476
25000010004-6 YearsWestern Mutual/Residence510
2500005004-6 YearsGrange714
3000005004-6 YearsHartford (Sentinel)874
3000005004-6 YearsPacific Specialty673
40000010004-6 YearsCSE Safeguard893
40000010004-6 YearsState Farm1039

Encinitas, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$3,400
Yearly Encinitas Homeowner Insurance Premium Example $2,300$1,800
Out of Pocket Expense During Claim$1,400$3,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $17,500$16,000
Net Savings to Encinitas Home Owner from High Deductible Plan $1,500

Encinitas, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Encinitas, CA Home Replacement Value MORE than Home Value Encinitas, CA Home Replacement Value LESS than Home Value
Replacement Value $756,500 $535,500
Insurance Premium based on Replacement Value $2,500 $1,775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $134,000 Risk Exposure from Under Insuring Coverage is $87,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $425/year

Example Encinitas Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceNationwide InsuranceAllstate
Monthly Premium 88100218
Year Built 199119761985
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000$600000-$700000$900000-$1000000
Deductible $5000 to $10,000 Deductible$5000 to $10,000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Encinitas, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 1,030,000 Shingles Roof 3,090 4 $1000-$2500 Deductible 2170 12 Stucco siding yes
1975 610,000 Shingles Roof 2,220 3 $1000-$2500 Deductible 520 6 Stucco siding No
1975 1,490,000 Wood Shake Roof 4,350 5 $2500-$5000 Deductible 450 3 Stucco siding yes
1971 625,000 Asphalt Shingles Roof 2,010 4 $5000 to $10,000 Deductible 730 9 Fiber-Cement Siding No
1997 960,000 Asphalt Shingles Roof 3,090 4 $500- $1000 Deductible 430 2 Brick siding No
1992 1,465,000 Tile Roof 4,770 5 $1000-$2500 Deductible 380 2 Vinyl siding No
1986 685,000 Wood Shake Roof 2,010 4 $500- $1000 Deductible 130 1 Vinyl siding No
1992 600,000 Shingles Roof 1,840 3 $500 Deductible 1440 9 Fiber-Cement Siding yes
1972 1,405,000 Membrane Roof 3,880 5 > $10,000 Deductible 1060 10 Vinyl siding yes
1977 825,000 Shingles Roof 2,850 4 > $10,000 Deductible 730 7 Stucco siding yes
1975 565,000 Membrane Roof 1,630 3 $500 Deductible 2140 12 Brick siding No
1988 1,685,000 Shingles Roof 4,710 5 $500 Deductible 2160 10 Brick siding yes
1976 1,395,000 Membrane Roof 4,970 5 $2500-$5000 Deductible 1920 10 Stucco siding No
1973 790,000 Membrane Roof 2,900 4 $2500-$5000 Deductible 2100 12 Stone Siding No
1987 1,125,000 Metal Roof 3,280 4 $500 Deductible 1830 7 Stucco siding yes
1983 480,000 Shingles Roof 1,630 5 $500- $1000 Deductible 1100 12 Stone Siding No
1996 800,000 Slate Shingles Roof 2,120 5 $5000 to $10,000 Deductible 1380 10 Wood siding yes
1983 1,050,000 Slate Shingles Roof 2,930 4 $2500-$5000 Deductible 190 1 Stone Siding No
1984 1,390,000 Membrane Roof 4,340 5 > $10,000 Deductible 640 4 Stone Siding yes
1981 445,000 Shingles Roof 1,430 3 $5000 to $10,000 Deductible 980 12 Vinyl siding yes
1985 735,000 Tile Roof 2,060 3 $1000-$2500 Deductible 1010 6 Stucco siding No
1993 455,000 Slate Shingles Roof 1,330 3 $500 Deductible 1120 12 Stone Siding yes
1985 860,000 Wood Shake Roof 2,820 4 $5000 to $10,000 Deductible 500 4 Brick siding yes
1999 935,000 Asphalt Shingles Roof 2,970 5 $5000 to $10,000 Deductible 1300 10 Stucco siding yes
1979 1,010,000 Shingles Roof 3,130 4 $500 Deductible 3490 12 Fiber-Cement Siding No
1995 800,000 Wood Shake Roof 2,770 4 $1000-$2500 Deductible 950 7 Vinyl siding yes
1974 500,000 Tile Roof 1,350 3 > $10,000 Deductible 260 5 Stone Siding No
1973 485,000 Wood Shake Roof 1,380 3 $500- $1000 Deductible 100 1 Stone Siding yes
1995 805,000 Tile Roof 2,250 3 $500 Deductible 520 4 Fiber-Cement Siding No
1999 565,000 Wood Shake Roof 2,090 4 $1000-$2500 Deductible 1200 9 Vinyl siding No
1971 1,220,000 Composition Roof 3,740 5 $500- $1000 Deductible 720 4 Brick siding yes
1976 330,000 Slate Shingles Roof 1,200 3 $1000-$2500 Deductible 770 12 Brick siding yes
1992 630,000 Asphalt Shingles Roof 1,810 4 $500 Deductible 290 2 Stone Siding No
Find Visual Guide for Encinitas, CA Home Insurance Buyers on Insurance Companies and Rates
Encinitas, CA Home Insurance Agents for Top Companies